Information display and decision making

ABSTRACT

An information display system includes a computing system that is configured to implement a user interface, access a first database storing a plurality of loan workout rules, receive loan and borrower data regarding an existing loan, and determine a plurality of loan workout options based on the plurality of loan workout rules and the received loan and borrower data. The plurality of loan workout options are displayed on the user interface.

BACKGROUND

Financial transactions such as loans are often complex and requirecompliance with many rules, regulations, policies, guidelines, etc. thatare established by entities such as regulators, investors, andinsurers/guarantors. In situations where a borrower is unable to makethe required payments, alternative arrangements are often sought. Forexample, with a home mortgage loan, loss mitigation alternatives toavoid foreclosure are often desirable if the mortgage loan is indefault.

Such loss mitigation alternatives may include, for example, permanentlymodifying or restructuring the loan, or offering the borrower amoratorium or other temporary forbearance to give them time to bring theloan current. The various loan workout options may have different rulesand regulations established by loan investors such as the Federal HomeLoan Mortgage Corporation (“Freddie Mac”), the Federal National MortgageAssociation (“Fannie Mae”), private investors, etc., as well as rulesand regulations of loan guarantors and insurers such as the U.S.Veterans Administration (“VA”), the U.S. Federal Housing Administration(“FHA”), United States Department of Agriculture (“USDA”), privateinsurers, etc. Moreover, regulators such as the Consumer FinancialProtection Bureau (“CFPB”) and the Office of the Comptroller of theCurrency (“OCC”) have further rules and regulations for working withborrowers in default, resulting in increased complexity.

SUMMARY

In accordance with certain aspects of the present disclosure, aninformation decision and display system includes a computing systemconfigured to implement a user interface. The computing system furtheris configured to access a first database storing a plurality of loanworkout rules, receive loan and borrower data regarding an existing loanand determine a plurality of loan workout options to evaluate based onthe plurality of loan workout rules and the received loan and borrowerdata. The details of all evaluated loan workout options are displayed onthe user interface.

In some examples, the borrower data is stored in a second database thatis accessed by the computing system. In still further examples, theborrower data or further borrower data is received via the userinterface. Such received borrower data may include edits to the borrowerdata received from the second database. The workout options may be savedin a decisions database, allowing access to the information at a latertime.

DESCRIPTION OF THE DRAWINGS

FIG. 1 is a block diagram illustrating an example of an informationdecision and display system in accordance with aspects of the presentdisclosure.

FIG. 2 is a user interface screen shot illustrating an example of adisplay of loan workout options.

FIG. 3 is a user interface screen shot illustrating further aspects ofthe display of FIG. 2.

FIG. 4 is a user interface screen shot illustrating an example a loanworkout decision display.

FIG. 5 is a flow diagram illustrating an example process executed by thesystem shown in FIG. 1.

FIG. 6 is a user interface screen shot illustrating an example of a loansearch and selection display.

FIG. 7 is a user interface screen shot illustrating further aspects ofthe display of FIG. 6.

FIG. 8 is a user interface screen shot illustrating further aspects ofthe display of FIG. 6.

FIG. 9 is a user interface screen shot illustrating an example of a loansearch and selection display for adding additional loans to a decision.

FIG. 10 illustrates an example of a workout review display for multipleloans.

FIG. 11 illustrates an example of a plan summary table for multipleloans.

FIG. 12 illustrates another example of the plan summary table shown inFIG. 11.

FIG. 13 is a block diagram illustrating portions of an example computersystem.

DETAILED DESCRIPTION

In the following Detailed Description, reference is made to theaccompanying drawings, which form a part hereof, and in which is shownby way of illustration specific embodiments in which the invention maybe practiced. The following detailed description, therefore, is not tobe taken in a limiting sense.

Loans, especially mortgage loans, are complex financial transactions.Due to various circumstances, borrowers sometimes are unable to make theagreed loan payments. In these situations it is often preferable forboth the lender and the borrower to find solutions other thanforeclosure or write offs. Such an alternative is sometimes referred toas a “loan workout.” Loan workouts can include “permanent loanmodification” or “mortgage modification,” in which alternative loanoptions are considered to replace the existing loan, or temporaryforbearance options to allow the borrower time to bring the loancurrent. In some situations, temporary forbearance and permanentmodification options are used in combination. For example, if a borrowerbecomes unemployed they may qualify to have their payments temporarilylowered. (This results in the loan becoming further delinquent). Whenthe borrower finds a job, they may qualify to then get a permanentmodification to take care of the delinquency and reinstate the loan.

Known automated loan underwriting tools, and more specifically lossmitigation automated tools, typically are designed only for a certainloan product, such as mortgage loans, and only for limited credit policyscope. For example, a given automated loan underwriting system may becustomized for a single investor's credit policy, and thus may beconfigured to perform calculations and display information in accordancewith rules and guidelines associated with a specific loan product.

Such solutions are often unacceptable for loan servicers who service abroad portfolio of loan types, since many different solutions and loanworkout options must be considered and evaluated to obtain the best loanworkout decision. Example systems disclosed herein provide the abilityto evaluate and underwrite multiple loan products simultaneously anddetermine loan alternatives to avoid default. For instance, loaninvestors (Freddie Mac, Fannie Mae, private investors, etc.) and loanguarantors (VA, FHA, USDA, private insurers, etc.) may each have rulesand regulations specific to the particular agency. A single decisiontool that performs calculations for a specific mortgage product wouldnot easily allow comparison of multiple loan workout options.

In general, examples are disclosed herein that relate to informationdecision and display systems and methods that allow generating multipleloan workout options, including a plurality of temporary forbearanceand/or permanent modification options, and displaying these options fora user to facilitate an efficient decision making process. Creditpolicies and investor guidelines associated with several investorsand/or insurers, for example, may be stored in a common database, ratherthan accessing different rule sources for each type of loan workoutoption. This further allows modifying the stored rules as necessary tobetter service the customer or incorporate changes made for businessreasons. A central rules repository allows servicers to better managerisks involved with complex business rules and reduce errors involvedwith manual processes. In other embodiments, rules may be stored inmultiple rules repositories and a decision engine is configured toorchestrate among the various rules engines.

FIG. 1 illustrates various aspects of an example of a system inaccordance with the present disclosure. The system 100 includes acomputing system that implements a decision engine 112. The decisionengine accesses one or more rules databases 120 that store a pluralityof rules associated with various loan workout options. The systemfurther includes a user interface 110 that interfaces with the decisionengine 112.

The user interface 110 may include, for example, input devices such as akeyboard, a mouse, a pen, a sound or voice input device, a touch orswipe input device, etc. An output device such as a display monitor isfurther included. The user interface could be implemented via componentslocal to the decision engine 112, or by other devices remote therefromand connectable by a network such as the internet. Any suitable device,such as, for example, a mobile telephone, a smart phone, a tabletpersonal computer, a laptop computer, a desktop computer, and the likethat are connectable to the decision engine 112 could implement the userinterface 110.

In addition to the loan workout rules from the database 120, thedecision engine 112 receives borrower data regarding an existing loan.Typically, this would be an existing loan that is in default. In someexamples, information regarding the existing loan is received via theuser interface 110. In other examples, one or more internal mortgagedatabases 122 (internal to the financial institution providing the loanand within a firewall 140) stores the current borrower and loaninformation used by the decision engine for generating the loan workoutoptions. In still further examples, information is obtained from a thirdparty or an external (outside the firewall 140) service provider 130regarding the existing loan. External service providers could include,for example, external loan serving companies or calculation servicessuch as certified net present value (NPV) or amortization calculationservices.

In some examples, the computing system 100 is a server computer at afinancial institution such as a bank, brokerage firm, mortgage company,etc. that implements the various components of the system 100, includingthe decision engine 112. Other examples of financial institutions arepossible. Further, the system 100 may be implemented by one or morecomputer systems. The databases 120, 122, 124 could be a local componentof the system 100, or they could be accessible by the decision engine112 over a network such as a business computing network or the internet.

In the illustrated examples, a loan workout is desired. This could bedue to a borrower's existing loan being in default, or for otherreasons. Accordingly, different loan workout options are determined anddisplayed such that the involved parties can reach a decision. Thedecision engine 112 thus determines a plurality of loan workout optionsbased on the applicable loan workout rules and the received borrowerdata, and displays various loan workout options including the pluralityof temporary forbearance and/or permanent loan modification options onthe user interface 110.

Besides displaying loan modifications, loan workouts could include, forexample, recommendations to the borrower to qualify for loan productsfor which the customer is currently not eligible. Such recommendationscould include increasing income, reducing spending, etc. For instance, auser could run “what if” scenarios simply by manipulate the input data(increasing income, reducing expenses, etc.) before submitting adecision request to the decision engine 112 and see what workout optionsare presented.

In addition to displaying the loan workouts, the loan workoutinformation may be saved in a decision database 124 for later use. Insome implementations, the entire decision transaction is stored in thedatabase 124, which could include inputs to the decision (e.g.,loan/borrower data, servicing data, etc.), outputs of the decision(workout options and related details), along with details about thestatus of that transaction. The user interface 110 may furtherfacilitate production of various letters, reports and other extracts,for example, for presenting loan workout decisions to the borrower.Moreover, in some embodiments, in addition to, or in place of,displaying the loan workout information from the database 124 on theuser interface 110, the information may be provided in a written reportor provided as a flat file for input to other financial systems.

As noted above, the rules database 120 provides a repository for rulesassociated with several different loan entities. For example, thedatabase 120 may store loan workout rules associated with a plurality ofmortgage loan investors such as Freddie Mac, Fannie Mae, privateinvestors, etc., and/or loan guarantors such as VA, FHA, USDA, privateinsurers, etc., and or regulators such as CFPB and OCC.

FIG. 2 is a screen shot of a portion an example information display 200of the user interface 110. The display 200 includes a listing of variousloan workout options 202 including different temporary forbearanceand/or permanent loan modification options 210 determined by thedecision engine 112. In addition to displaying the various loan workouts202 evaluated, the decision source 212, evaluation type 214, andborrower eligibility 216 are displayed for each workout option. In theexample shown in FIG. 2, comparisons of plan elements relative to theexisting loan are also displayed, such as the total payment adjustment220 and the principle and interest (P&I) adjustment 222.

In the example shown in FIG. 2, workout options are presented in summaryform, which allows the user to do high level comparisons of the variousoptions. Additionally, individual options may be selected to “drilldown” into the details of the selected option. In the specific exampleillustrated in FIG. 2, detailed results of each workout 202 areavailable by selecting a row in the results display 200. FIG. 3illustrates an example of a display 200 a in which one of the “HAMP”(Home Affordable Modification Program) workouts 210 shown in FIG. 2 hasbeen selected. Among other things, the display 200 a includes aside-by-side comparison of loan aspects before the workout 230 (theexisting loan) and after workout 232 (the selected workout option).

Referring back to FIG. 1, in some examples the system 100 provides theability for a party, such as the underwriter, to modify certain terms ofthe workout. In some instances, business needs may require adjusting oroverriding certain of the loan workout details as an exception to thestandard policy rules stored in the rules database 120. Such overridesmay be made via the user interface 100 and input to the decision engine112. Further, these overrides may be saved in the decision database 124or other storage location for later use. Storing workout adjustments inthis manner provides the ability to reuse the manually entered data sothe underwriters are not required to re-enter such overrides each time adecision is run on a particular loan.

As noted above, the resulting loan workouts may be stored in thedecision database 124. This allows returning to the displayed loanworkouts 202 at a later date if necessary. Such a “re-run” of thedisplayed decisions is useful, for example, in an appeal of a decision.For an appeal, it may be necessary to hold most data constant from theoriginal decision. The only data in the appeal that is different fromthe original decision are a certain few fields the user is specificallyallowed to edit in an appeal. The credit rules in force at time oforiginal decision typically must be used for the appeal. FIG. 4illustrates an example of an workout review screenshot that may bedisplayed via the user interface 110. The display 200 b shows details ofthe information used in calculating the various loan workouts 202.Various input boxes 230 are provided that allow revising input data suchas income, expenses, etc. based on appeal criteria.

Further, the example display 200 b includes a history section 240 thatcaptures various changes made for later use. The historical data may beuseful for appeals, and also in other situations where a user hasoverridden workout level details.

Thus, via the user interface 110 a system user can enter a loan numberand review decision history for the particular loan, the borrower, etc.,and if desired, can review and/or edit & rerun aspects of previousdecisions run on the loan for purposes of an appeal, mediation,litigation, etc.

Example systems disclosed herein provide the ability to evaluate andunderwrite multiple loan products simultaneously and determine loanalternatives to avoid default. For instance, loan investors (FreddieMac, Fannie Mae, private investors, etc.) and loan guarantors (VA, FHA,USDA, private insurers, etc.) may each have rules and regulationsspecific to the particular agency. A single decision tool that performscalculations for a specific mortgage product would not easily allowcomparison of multiple loan workout options.

Further, some financial institutions provide many types of loanproducts, and these different types of loans may require workouts. Inaddition to mortgage loans, a lender may offer car loans,secured/unsecured personal loans or lines of credit, credit cards, homeequity loans, home equity lines of credit, etc. Examples of the systemsdisclosed herein are configured to evaluate a single loan, as well asmultiple loans related to the same borrower and provide workout optionsfor all the evaluated loans. Some example embodiments provide workoutsthat are specific to each single loan, and/or options that cover morethan one loan. For example, when evaluating a 1st lien mortgage plus a2nd lien home equity loan, a workout options could include modifyingboth loans separately with the borrower still ending up with twoseparate but modified loans, or combining both loans into one new loan(a modified version of one loan plus a full or short payoff of the otherloan).

FIG. 5 is a flow diagram generally illustrating an example of a process150 executed by the system shown in FIG. 1. Since different types ofloans may be evaluated, the type of loan is determined in block 152. Inblock 154, loan and borrower information is received for the particularloan. Loan information may be obtained, for example, from the loandatabase 122 shown in FIG. 1. In some embodiments, the rules engine 112is configured to determine workout options for more than one loan. Insuch configurations, if another loan is to be added to the decision asdetermined in decision block 160, the process loops back to block 152where the type of loan is determined, and the process repeats untilthere are no more loans to be added to the decision, in which caseworkout rules are received in block 156, such as by the decision engine112 accessing one or more suitable databases such as the rules database120 and/or the external rules database 132 shown in FIG. 1. Additionaldatabases and other rules sources may further be consulted. Based on theinformation obtained in blocks 152-156, workout options are determinedin block 158, and the workout options may be displayed in block 162.

The rules received and executed by the decision engine 112 thus ensurethat each set of policy rules is applied/evaluated in the proper orderand to the correct loan, and the resulting workout options are presentedback to the user in the correct hierarchical order for offering to theborrower. For example, an FHA guaranteed loan may be owned by FNMA asthe investor, and serviced by a bank. All three of those entities(Guarantor=FHA, Investor=FNMA, Servicer=bank) may have their own policyrules, and each one can define their own workout options, which areobtained from the appropriate sources by the decision engine 112. Incertain specific examples, FHA's rules take 1st precedence, followed byFNMA's, then in third place comes the Servicer's.

In another example, first and second mortgages are both serviced by asingle bank, but the first mortgage is owned by FNMA and the second isowned by a private bank. In a situation such as this, FNMA's policytakes first precedence on the 1st mortgage, the private bank's policytakes first precedence on the second mortgage, and the bank's servicerpolicy applies secondarily to both loans.

The decision engine 112 may further be configured to operate withpotentially conflicting or competing rules to evaluate various loansaccording to the type of loan. For example, the decision engine 112could be configured to execute only internal rules (like for an FHAloan) or to also use the Servicing Management Default Underwriter (SMDU)external rules engine (like for a FNMA loan). The decision engine 112could further be configured to select among several data or calculationsources, such as whether to use an internal NPV calculation service oruse the external calculation service 134 such as the Treasury NPVcalculator, or to not run NPV calculations at all. Loan servicing datacould be obtained from internal sources or various external servicesources 130.

FIG. 6 shows an example user interface display 300 suitable forembodiments where the decision engine 112 is configured to work withdifferent types of loans. The display 300 includes a loan type selectionbox 302 in which a user can select among various types of loansincluding, for example, first lien mortgage, junior lien mortgage, homeequity loan, home equity line, auto loan, credit loan, revolving line,signature loan, student loan, and other secured and unsecured loans.

Depending on the type of loan selected by the user, the loan identifiersearch criteria appropriate for that loan type is displayed as shown inFIG. 7. For example, if the user selects first lien mortgage in the loantype selection box 302, then both client number and loan number searchcriteria fields are displayed in a loan identifier search box 304. If adifferent loan type is selected in the loan type selection box 302, suchas an auto loan, then only a loan number search criteria field isdisplayed in the loan identifier search box 304 as shown in FIG. 8.

As noted above, the decision engine 112 may be configured to provideworkout options for more than one loan. FIG. 9 illustrates another userinterface 320 in which multiple loans may be included in a decision. Theuser interface 320 includes a listing 322 of loans currently included,as well as a search interface similar to that shown in FIGS. 6 and 7that includes the selection box 302 for identifying the loan type, andbased on the selected loan type, the selection box 304 for selecting theappropriate loan identifier. Once the user selects the desired loan, theloan may be added to the list 322 by selecting an add loan actuator 324.When the user has finished adding loans, the done adding loans actuator328 is selected.

FIG. 10 illustrates a workout review display 400 in which decisionresults for multiple loans is displayed. As noted above, in addition todetermining workout options for multiple loans, the decision engine 112may be configured to determine workout options for different types ofloans. Thus, the display 400 provides workout options for more than oneloan, and loans of different types as selected by a user using userinterfaces generated by the decision engine 112 such as thoseillustrated in FIGS. 6-9. The display 400 provides a listing of theselected loans, and loan details 402 for each loan that are displayed inresponse to a selection of a specific one of the loans. In FIG. 10, loandetails 402 are displayed for the selected loan 410 (“Loan 1: 1^(st)Lien Mortgage”). The other two displayed loans 412, 414 are collapsed sodetails are not shown in the display 400.

FIG. 11 illustrates a display 420 of a Plan Summary table, which shows asummarized list of all the available workouts 422, along with theeligibility determination 424 for each workout option. In the display420 shown in FIG. 11, there is a tab 426 for displaying workout optionsfor all loans, three tabs 430, 432, 434 corresponding to the threeindividual loans for which workout options were determined, a ManualInputs Review tab 436 and a Borrower Letter tab 438. Additionally, planresults tabs could be provided for various combinations of some but notall loans in the decision. FIG. 12 illustrates a display 420 a in whichthe tab 430 has been selected for loan 1. Selecting a workout option inthe display 420 or 420 a accordingly displays the workout details of theselected option in expandable/collapsible categorized sections, asillustrated in the example shown in FIG. 3.

FIG. 13 schematically illustrates an example of a computer systemsuitable for implementing the decision engine 112. The computer 500includes at least one central processing unit (“CPU”) 502, a systemmemory 508, and a system bus 522 that couples the system memory 508 tothe CPU 502. The system memory 508 includes a random access memory(“RAM”) 510 and a read-only memory (“ROM”) 512. A basic input/outputsystem that contains the basic routines that help to transferinformation between elements within the server computer 500, such asduring startup, is stored in the ROM 512. The server computer 500further includes a mass storage device 514. The mass storage device 514is able to store software instructions and data. As noted above, one ormore of the databases 120, 122, 124 could be implemented by the massstorage device 512, or one or more of the databases could be implementedby other computer systems accessible by the computer 500.

The mass storage device 514 is connected to the CPU 502 through a massstorage controller (not shown) connected to the system bus 522. The massstorage device 514 and its associated computer-readable data storagemedia provide non-volatile, non-transitory storage for the servercomputer 500. Although the description of computer-readable data storagemedia contained herein refers to a mass storage device, such as a harddisk or solid state disk, it should be appreciated by those skilled inthe art that computer-readable data storage media can be any availablenon-transitory, physical device or article of manufacture from which thecentral display station can read data and/or instructions.

Computer-readable data storage media include volatile and non-volatile,removable and non-removable media implemented in any method ortechnology for storage of information such as computer-readable softwareinstructions, data structures, program modules or other data. Exampletypes of computer-readable data storage media include, but are notlimited to, RAM, ROM, EPROM, EEPROM, flash memory or other solid statememory technology, CD-ROMs, digital versatile discs (“DVDs”), otheroptical storage media, magnetic cassettes, magnetic tape, magnetic diskstorage or other magnetic storage devices, or any other medium which canbe used to store the desired information and which can be accessed bythe server computer 500.

According to various embodiments of the invention, the server computer500 may operate in a networked environment using logical connections toremote network devices through the network 520, such as a wirelessnetwork, the Internet, or another type of network. The server computer500 may connect to the network 520 through a network interface unit 504connected to the system bus 522. It should be appreciated that thenetwork interface unit 504 may also be utilized to connect to othertypes of networks and remote computing systems. The server computer 500also includes an input/output controller 506 for receiving andprocessing input from a number of other devices, including the userinterface 110, which could include a touch user interface displayscreen, or another type of input device. Similarly, the input/outputcontroller 506 may provide output to a touch user interface displayscreen or other type of output device.

As mentioned briefly above, the mass storage device 514 and the RAM 510of the server computer 500 can store software instructions and data. Thesoftware instructions include an operating system 518 suitable forcontrolling the operation of the server computer 500. The mass storagedevice 514 and/or the RAM 510 also store software instructions, thatwhen executed by the CPU 502, cause the server computer 500 to providethe functionality of the server computer 500 discussed in this document.For example, the mass storage device 514 and/or the RAM 510 can storesoftware instructions that, when executed by the CPU 502, cause theserver computer 500 to implement the decision engine 112 shown in FIG.1.

The disclosed system 100 thus provides an end to end solution formanaging complex loan workout rules in one or multiple repositories,real time fetching of system data from multiple systems of record,determining borrower and loan eligibility, initial decisioning,re-decisioning, appeals, and final conversion for settlement.

Although various embodiments are described herein, those of ordinaryskill in the art will understand that many modifications may be madethereto within the scope of the present disclosure. Accordingly, it isnot intended that the scope of the disclosure in any way be limited bythe examples provided.

What is claimed is:
 1. A system, comprising: a firewall defining aninternal portion of the system; a first database located in the internalportion; a computing system located in the internal portion andconnectable to the first database via a network, wherein the computingsystem is configured to: implement a user interface; access the firstdatabase storing a first plurality of loan workout rules for a pluralityof different loan types, wherein the first plurality of loan workoutrules includes: investor loan workout rules associated with a pluralityof loan investors, guarantor loan workout rules associated with aplurality of loan guarantors, and regulator loan workout rulesassociated with a plurality of loan regulators; access a second databaseoutside the internal portion of the system that stores a secondplurality of loan workout rules, the second plurality of loan workoutrules associated with at least one of a loan guarantor, insurer,investor and regulator; receive loan and borrower data regarding aplurality of existing loans via the user interface; access a thirddatabase that stores further borrower data regarding the plurality ofexisting loans; determine a plurality of loan workout options for theplurality of existing loans based on the first plurality of loan workoutrules, the second plurality of loan workout rules, the received loan andborrower data, and the further borrower data; display the plurality ofloan workout options on the user interface including, for each loanworkout option, a side-by-side comparison of loan aspects of theexisting loan and the loan aspects as modified by the workout option,thereby providing the ability to evaluate multiple loan productssimultaneously; and display the existing loan and a selected one of theplurality of loan workout options simultaneously on the user interface.2. The system of claim 1, wherein the plurality of loan workout optionsincludes at least one of temporary forbearance and permanent loanmodification.
 3. A computer implemented method, comprising: accessing afirst database, the first database being within an internal portion of asystem defined by a firewall and storing workout rules for a pluralityof different loan types; receiving a first plurality of loan workoutrules from the first database, wherein the first plurality of loanworkout rules includes: investor loan workout rules associated with aplurality of loan investors, guarantor loan workout rules associatedwith a plurality of loan guarantors, and regulator loan workout rulesassociated with a plurality of loan regulators; accessing a seconddatabase, the second database being outside of the internal portion ofthe system; receiving a second plurality of loan workout rules from thesecond database, the second plurality of loan workout rules beingassociated with at least one of a loan guarantor, insurer, investor andregulator; receiving loan and borrower data regarding an existing loanfrom a third database; receiving further loan and borrower dataregarding the existing loan via a user interface generated by acomputing system, wherein the further loan and borrower data receivedfrom the user interface includes edits to the loan or borrower datareceived from the third database; determining a plurality of loanworkout options based on the first plurality of loan workout rules, thesecond plurality of loan workout rules, the loan and borrower data andthe further loan and borrower data; saving the plurality of loan workoutoptions in a decisions database; displaying a plurality of loan workoutoptions on the user interface, wherein displaying the plurality of loanworkout options includes displaying, for each loan workout option, aside-by-side comparison of loan aspects of the existing loan and theloan aspects as modified by the workout option, thereby providing theability to evaluate multiple loan products simultaneously; receivingedits to the plurality of loan workout options via the user interface;storing the received edits in the decisions database to the plurality ofloan workout options; and displaying the stored edits on the userinterface in the display of the plurality of loan workout options.
 4. Anon-transitory computer-readable data storage medium storinginstructions that, when executed by a computing system, implement amethod comprising: accessing a first database within an internal portionof a system defined by a firewall to receive a first plurality of loanworkout rules, wherein the first database stores workout rules for aplurality of different loan types, wherein the first plurality of loanworkout rules includes: investor loan workout rules associated with aplurality of loan investors, guarantor loan workout rules associatedwith a plurality of loan guarantors, and regulator loan workout rulesassociated with a plurality of loan regulators; accessing a seconddatabase outside of the internal portion to receive a second pluralityof loan workout rules; accessing a third database to receive loan andborrower data regarding a plurality of existing loans; determining aplurality of loan workout options for each of the plurality of existingloans based on the first plurality of loan workout rules, the secondplurality of loan workout rules, and the loan and borrower data, whereinthe plurality of loan workout options includes at least one of temporaryforbearance and permanent loan modification; displaying the determinedloan workout options on a user interface; displaying an existing loan ofthe plurality of existing loans on the user interface, whereindisplaying the plurality of loan workout options includes displaying,for each loan workout option, a side-by-side comparison of loan aspectsof the existing loan and the loan aspects as modified by the workoutoption, thereby providing the ability to evaluate multiple loan productssimultaneously; and receiving edits to the loan or borrower data via theuser interface and storing the edits to the loan or borrower data in adecisions database.
 5. The system of claim 1, wherein the user interfaceis configured to receive a manual override.
 6. The system of claim 5,wherein the computing system is further configured to store the manualoverride in association with the existing loan for reuse.